
I opened the Chime Credit Builder card thinking it was basically a debit card that helps build credit on the side. I deposit money into my Chime account and spend it with the card.
But now I see I have a $391 balance due and it looks like every month I have to pay Chime back for what I spent?
Am I misunderstanding this? Is it a regular credit card where I have to repay the full balance every month, or does it work differently?
I’m not trying to get out of paying — I just want to understand how it’s supposed to function. Appreciate any clear explanations.